国家助学贷款违约的影响因素的研究——基于贷款参与方的调研  

A Study on Influencing Factors of Student Loan Default:Based on Deep Investigation and Research to the Participants of Loan

作　　者：廖茂忠[1] 沈红[2] 

机构地区：[1]中山大学教育学院教育科学研究所,广东广州510275 [2]华中科技大学教育科学研究院,湖北武汉430074

出　　处：《教育科学》2010年第5期19-23,共5页Education Science

摘　　要：学生贷款违约是国家助学贷款可持续发展的主要障碍。学生贷款违约日益成为一个复杂的社会性问题。学生之所以违约受诸多因素的影响。不同的参与主体可能因其立场、利益和处境的差异而对违约有其不同的观察方式与不同的理解。通过对学生贷款的参与者,即学生、高校(教师)和经办银行的深度调研发现,大学毕业生的经济收入状况、借款者的还贷意愿和社会信用环境是影响贷款违约的主要因素,而大学毕业生的经济收入水平则是最核心的因素。Student loan default is usually deemed as an obstacle to sustainable development of government-subsidized student loan.Student default is a complex social problem,its occurrence has profound social origins.Different participants may have dissimilar observance modes and understanding because of different position,benefits and surroundings.Via deep investigation and research to the participants of student loan,such as student,university（faculty） and banks,we found that economic earning,repayment will and credit surroundings comprise the most important factors of student default.Thereinto,economic earning of student is the main factor.

关 键 词：学生贷款违约 违约因素 毕业生经济收入 还款意愿 

分 类 号：G40-054[文化科学—教育学原理]